It's a cash value card just like the prepaid Visa cards, but without as much extra fees. You create an Ultimate Pay account (they take PayPal, too!) and can add Crysta from a credit card, PayPal, or the prepaid game cards.
Pros: Crysta for cash, you don't need a credit card or to share that CC info over the Internet if you do have one, you control the exact amount of Crysta you have on hand, and can prepay for months or even years in advance if you're into that
Cons: Have to go to @#%^ing Gamestop every time you need a refill.
Edited, Aug 22nd 2013 12:30am by Catwho